Their Financials
Figures are presented as today's values (ignoring inflation) for ease of understanding.
Let's See Each Group Cashflows
The Elite

Money is a tool of protection. Their income comes from asset ownership, not productive work.
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The Majority

Life is a digital journey of spiraling in a debt cycle. Most of the income spent for daily needs, and loans taken out to survive.
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The Excluded

Too poor for the gig economy, they survive in the most basic forms of the informal economy.
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Observe Their Money Allocations